AARP/UHC Medicare Supplimental Insurance Issues with Customer Service and Moving

@bb48826146 

You can keep the policy but when your address is changed with the Medigap insurer, you will get the rate for the same or close to the same in the new state.  I say close, because sometimes one state may have higher or lower premiums based on something about the policy.  

If the new state has an expanded guaranteed issue period or some other type method where a beneficiary can change Medigap plans at certain times - then those states usually have higher premiums.

But if they are lower premiums for the exact same policy + any added benefits then you should get the lower premiums - assuming that both have the same rating type - Usually AARP/UHC Medigap plans are community rated but I do not know if that is all.

The only way you could really check on this is to get the insurance policy number - not your policy number - the insurance policy may have a state code too and then compare it to the one that is being offered in the state where you are moving.  

It should be the same insurance company name - not just AARP/UHC but the insured by affiliates name like United Healthcare Company of America as compared with the United Healthcare Company.

Then the similarities of the plans,  like do you have a some sort of a discount or if the wellness benefit is included - the plans have to be the same in these regards.

It just isn’t as simple as a (one state) Plan G to (another state) plan G 

The Plan G is gonna be the same in either case cause those are regulated at the Federal level - but outside of that - there could be several differences that would determine the new (state’s) premium.  

Did I make that clear????

I have had so many problems with UHC customer service that I have dropped them and gone with  another supplemental plan.  I found the problem to be not having an agent to speak with.  Now I do.